having suffered such heavy loss
现在分词用完成式表示分词动作发生在句子谓语动作之前.
=Because the businessman had suffered such heavy loss,
又如
Having heard the news,she came up with a good idea.
听到这个消息（之后）,她想出了一个好主意.那这个结构是做原因状语的吗，只能用having+过去分词表示吗辛苦了亲是不是原因状语，得看句子意思意思。状语：动作是主动的，而且动作发生在谓语动作前，就用现在分词完成式。你的例句是原因状语。但是：Having heard the news, she came up with a good idea.听到这个消息（之后），她想出了一个好主意。=After she had heard the news（时间状语）